Once again on the attach. You are a simpleton. Credit has already been factored into all analasys. A year ago when I suggested doing a cash out refi and investing in the global markets you were similiarly critical. Since that point in time the portfolio I constructed is up almost 40%. If you’re a hack accountant who couldn’t make it as a CPA take it out on someone else. Anyone who understands basic economics is following an hour glass theory of social structure. Why is Nordstoms steaming ahead and Wal Mart is struggling. The middle is evaporating and what you are left with are those who have and those who don’t. Global liquidity might drive the market but the outcome is still rich and poor. Get a clue.